JPMorgan Chase Bank in Illinois vs the state
9.7%Denial rate-7.47 pts vs state
12.7%Decision denial rate-8.97 pts vs state
64.7%Origination rate+5.93 pts vs state
6.49%Median rate-0.26 pts vs state
0.06Rate spread (pts)-0.33 pts vs state
$123kMedian applicant income
8,778Loans originated
1,310Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,341 | 5,597 | 9.1% | 6.63% | #7 |
| 2024 | 11,455 | 7,493 | 9.7% | 6.50% | #4 |
| 2025 | 13,574 | 8,778 | 9.7% | 6.49% | #4 |
What JPMorgan Chase Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 7,881 | 5,040 | 749 | 9.5% |
| DuPage County | 1,432 | 955 | 126 | 8.8% |
| Lake County | 981 | 629 | 93 | 9.5% |
| Will County | 975 | 645 | 92 | 9.4% |
| Kane County | 641 | 447 | 49 | 7.6% |
| McHenry County | 373 | 247 | 41 | 11.0% |
| Winnebago County | 193 | 125 | 19 | 9.8% |
| Kendall County | 151 | 101 | 14 | 9.3% |
| Champaign County | 102 | 68 | 5 | 4.9% |
| Peoria County | 79 | 57 | 6 | 7.6% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
| Broker Solutions | D | 6,886 | 8.3% | 6.88% |
Frequently asked questions
Illinois: 13,574 applications in 2025, of which 8,778 were originated and 1,310 denied.
9.7% of all applications, or 12.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans JPMorgan Chase Bank originated in Illinois in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology